Start banking local and open an account online today!

With Online Account Opening you can open an individual or joint personal checking and/or savings account from anywhere and at any time you like using your desktop computer, phone, or tablet. The secure application only takes about 10 minutes to complete and we will guide you through each step.

Check out our suit of Checking and Savings products and open your account online today!


  • You must be 18 years old and reside within the Bank's footprint to apply online.
  • Trusts and businesses cannot apply online at this time.
  • You will need your SSN or ITIN number as well as your Government Issued Identification, such as a Driver's License.
  • If another person will be a joint owner on your account(s), they should be with you when you apply to enter and validate their personal information.
  • Your application will be reviewed within 2 business days. If approved you will be sent a link to our Online Account Opening Portal to electronically sign your signature card and upload any remaining required documents.

Checking Account Types

  1. For Cashback Checking, Access Checking and Private Access Checking accounts only. Montecito Bank & Trust does not charge fees for use of any ATM within the United States, Guam, and Puerto Rico. In addition, we reimburse you for most ATM and point-of-sale (POS) transaction fees charged by third-parties, such as other banking institution service providers. See Deposit Account Terms and Disclosures for additional information.
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Compare Accounts
Everyday Checking Cashback Checking Access Checking Private Access Checking
Go green and pay no maintenance fee if requirements are met Get cashback rewards and free ATM accessb

Student Version Availablea

An all-in-one banking package with access to premier account services An all-in-one account, reserved for our Wealth Management Clients
Monthly Maintenance Fee $8 $15 $25 $0
How to Avoid Monthly Maintenance Fee Enroll in eStatementsc OR Primary account holder’s age is 65 or greater OR Account is a Formal Trust Enroll in eStatementsc AND complete 15 or more debit card transactions each statement cycle OR primary account holder's age is 14-19 years olda $10,000 minimum daily balance OR
$25,000 average available balance
N/A
Free Online & Mobile Bankingd
Free Online Bill Pay
Turn your card on / off with CardControl
Send & receive cash with Zelle®
Free Direct Deposits
Free Account Alerts
Free 24/7 Telephone Banking
Overdraft Protection Available
Unlimited Access to Funds
Free Combined Statement Upon Request
Free MB&T ATM Access
Free Out of Network ATM Useb
Not Provided
Cashback Rewardse
Not Provided
$0.10 per qualifying transaction
Not Provided
Not Provided
For Youth 14-19a
Not Provided
Not Provided
Not Provided
Interest Earning
Not Provided
Not Provided
Deposit Rate Summary Deposit Rate Summary
Free Notary Services
Not Provided
Not Provided
Free Incoming Wires
Not Provided
Not Provided
Cross Border Fee Refunded
Not Provided
Not Provided
Foreign Currency Conversion Fee Refunded
Not Provided
Not Provided
Free Cashier's Checks
Not Provided
Not Provided
Free Checks
Not Provided
Not Provided
Free Safe Deposit Box
Not Provided
Not Provided
Not Provided

Everyday Checking

Go green and pay no maintenance fee if requirements are met

Monthly Maintenance Fee
$8
How to Avoid Monthly Maintenance Fee
Enroll in eStatementsc OR Primary account holder’s age is 65 or greater OR Account is a Formal Trust
Free Online & Mobile Bankingd
Free Online Bill Pay
Turn your card on / off with CardControl
Send & receive cash with Zelle®
Free Direct Deposits
Free Account Alerts
Free 24/7 Telephone Banking
Overdraft Protection Available
Unlimited Access to Funds
Free Combined Statement Upon Request
Free MB&T ATM Access
Free Out of Network ATM Useb
Cashback Rewardse
For Youth 14-19a
Interest Earning
Free Notary Services
Free Incoming Wires
Cross Border Fee Refunded
Foreign Currency Conversion Fee Refunded
Free Cashier's Checks
Free Checks
Free Safe Deposit Box

Cashback Checking

Get cashback rewards and free ATM accessb

Student Version Availablea

Monthly Maintenance Fee
$15
How to Avoid Monthly Maintenance Fee
Enroll in eStatementsc AND complete 15 or more debit card transactions each statement cycle OR primary account holder's age is 14-19 years olda
Free Online & Mobile Bankingd
Free Online Bill Pay
Turn your card on / off with CardControl
Send & receive cash with Zelle®
Free Direct Deposits
Free Account Alerts
Free 24/7 Telephone Banking
Overdraft Protection Available
Unlimited Access to Funds
Free Combined Statement Upon Request
Free MB&T ATM Access
Free Out of Network ATM Useb
Cashback Rewardse
$0.10 per qualifying transaction
For Youth 14-19a
Interest Earning
Free Notary Services
Free Incoming Wires
Cross Border Fee Refunded
Foreign Currency Conversion Fee Refunded
Free Cashier's Checks
Free Checks
Free Safe Deposit Box

Access Checking

An all-in-one banking package with access to premier account services

Monthly Maintenance Fee
$25
How to Avoid Monthly Maintenance Fee
$10,000 minimum daily balance OR $25,000 average available balance
Free Online & Mobile Bankingd
Free Online Bill Pay
Turn your card on / off with CardControl
Send & receive cash with Zelle®
Free Direct Deposits
Free Account Alerts
Free 24/7 Telephone Banking
Overdraft Protection Available
Unlimited Access to Funds
Free Combined Statement Upon Request
Free MB&T ATM Access
Free Out of Network ATM Useb
Cashback Rewardse
For Youth 14-19a
Interest Earning
Deposit Rate Summary
Free Notary Services
Free Incoming Wires
Cross Border Fee Refunded
Foreign Currency Conversion Fee Refunded
Free Cashier's Checks
Free Checks
Free Safe Deposit Box

Private Access Checking

An all-in-one account, reserved for our Wealth Management Clients

Monthly Maintenance Fee
$0
How to Avoid Monthly Maintenance Fee
N/A
Free Online & Mobile Bankingd
Free Online Bill Pay
Turn your card on / off with CardControl
Send & receive cash with Zelle®
Free Direct Deposits
Free Account Alerts
Free 24/7 Telephone Banking
Overdraft Protection Available
Unlimited Access to Funds
Free Combined Statement Upon Request
Free MB&T ATM Access
Free Out of Network ATM Useb
Cashback Rewardse
For Youth 14-19a
Interest Earning
Deposit Rate Summary
Free Notary Services
Free Incoming Wires
Cross Border Fee Refunded
Foreign Currency Conversion Fee Refunded
Free Cashier's Checks
Free Checks
Free Safe Deposit Box
  1. The Student version is a debit card only account, no checks will be issued. Adult signature is required to open account. At age 20, this student account becomes a general Cashback Checking account and is subject to those account requirements. [back]
  2. For Cashback Checking, Access Checking and Private Access Checking accounts only. Montecito Bank & Trust does not charge fees for use of any ATM within the United States, Guam, and Puerto Rico. In addition, we reimburse you for most ATM and point-of-sale (POS) transaction fees charged by third-parties, such as other banking institution service providers. Deposit Account Terms and Disclosures [back]
  3. Must have Online Banking to enroll in eStatements. [back]
  4. Montecito Bank & Trust does not charge for the Mobile Banking service; however, your wireless provider may charge for Internet access and text messages. Please check with your wireless provider. [back]
  5. Qualifying transactions include debit POS transactions, Bill Pay, and Mobile Deposit. Cashback reward is capped at $20 per statement cycle. [back]

Savings Accounts

Hide Compare Accounts
First Step Savings® Personal Savings Relationship Bonus Money Market Montecito Money Fund
Monthly Maintenance Fee
$0
$9 per quarter
$10
$10
Requirements to Waive Monthly Maintenance Fee
N/A
$300 minimum daily balance
$2,500 minimum daily balance
$2,500 minimum daily balance
Interest Earning
Combined Statement Upon Request
Check Writing Ability
For Youth up to 18 years old1
  1. Adult signatory required. [back]

Additional Benefits & Services

We know there are certain features you need to have to bank efficiently, beyond just having an account.

Here are some of the ones we offer for any MB&T account:

  • ATM Access
  • FREE Digital & Mobile* Banking, plus eStatements
  • FREE Account Alerts
  • FREE Online Bill Pay
  • FREE 24-7
    Telephone Banking
  • FREE Direct Deposit
  • Overdraft Protection

* Your mobile carrier's text messaging and web access charges may apply.


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Click. Switch. Click. SWITCH!

ClickSWITCH® is the fast and secure way to switch your automatic payments and direct deposits to your new or existing account.

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